Super Surplus Insurance Policy

Super Surplus Insurance Policy / Star Super Surplus (Floater) Insurance Policy

Top-up Health Insurance Plan

Features of Super Surplus Health Insurance Policy

Coverage under Super Surplus Insurance Policy / Star Super Surplus (Floater) Insurance Policy

Individual Plan (Silver)

1. In-hospitalisation Expenses- Expenses such as room, boarding and nursing expenses are subject to a maximum of Rs. 4000 per day. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
3. Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.

Individual Plan (Gold)

1. In-hospitalisation Expenses - Expenses like room (Single Private AC room), boarding and nursing as provided by the hospital are covered. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
3. Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.
5. Emergency ambulance charges - Emergency ambulance charges up to Rs. Three thousand per policy period for the transportation of the insured to the hospital is applicable.
6. Air ambulance charges - Air ambulance expenses are covered up to 10 percent of the sum insured per policy period (only applicable for sum insured Rs. 700000 and above).

Floater Plan (Silver)

1. In-hospitalisation Expenses - Room, boarding and nursing expenses are subject to a maximum of Rs. 4000 per day. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses- Expenses incurred up to 30 days before getting hospitalised are covered.
3. Post-hospitalisation Expenses- Expenses incurred up to 60 days after discharge are covered.
4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.

Floater Plan (Gold)

1. In-hospitalisation Expenses - Expenses like room (Single Private AC room), boarding and nursing as provided by the hospital are covered. Other expenses like surgeon’s fee, anaesthetist, medical practitioner, consultants, specialist fee, blood, oxygen, ICU charges, operation theatre charges, medicines and drugs, diagnostic materials and lab tests are also covered.
2. Pre-hospitalisation Expenses - Expenses incurred up to 60 days before getting hospitalised is covered.
3. Post-hospitalisation Expenses- Expenses incurred up to 90 days after discharge is covered.
4. Coverage for Modern Treatments - Modern/Advanced treatments are covered under the policy for the specific illness up to the sub-limit mentioned in the policy clause.
5. Emergency ambulance charges - Emergency ambulance charges up to Rs. Three thousand per policy period for the transportation of the insured to the hospital is applicable.
6. Air ambulance charges - Air ambulance expenses are covered up to 10 percent of the sum insured per policy period (only applicable for sum insured Rs. 1000000 and above).

1. The Super Surplus Gold plan offers coverage for maternity up to specified limits.
2. Provides air ambulance cover for up to 10% of the sum insured for more than Rs. 7 lakhs (individual) and 10 lakh (floater).
3. Coverage for organ donor expenses.
4. Coverage for inpatient hospitalisation expenses.
5. Pre- and post-hospitalisation expenses are also covered.
6. Cover for all day-care procedures or treatments (under gold plan).
7. Coverage for pre-existing diseases under the Super Surplus silver plan is 36 months, and specific treatments have 24 months waiting period.
8. Coverage for pre-existing diseases under the Super Surplus gold plan is 12 months, and specific treatments have 12 months waiting period.

1. Any ailment/injury caused due to war, civil war, biological war, etc.
2. Self-intentional injuries like suicide attempts.
3. Costs of Walkers / Wheelchairs.
4. Expenses related to treatment for weight loss surgeries.
5. Cosmetic or plastic surgery expenses unless subjected to an accident.
6. Expenses related to injuries caused by hazardous sports or adventurous activities.
7. Expenses related to change of gender treatments and sexually transmitted diseases.

What are the add-on benefits of the Super Surplus policy?

Frequently Asked Questions